PRUsave Privilege Accelerator

Benefits

• Peace of Mind Should Anything Happen.

  • PRUsave Privilege Accelerator offers protection against death², provided through PRUsave Privilege (during the policy term) and Premium Accelerator (before the fourth Policy Anniversary¹). You can be assured that as you save, your family’s future is secure if anything should happen to you.

    The death benefit² from PRUsave Privilege will be the lower of:

    • 105% of the total premiums paid to PRUsave Privilege at the time of death, or
    • Face Value³
      plus Bonuses⁴ that are added.

    You are assured that if the total premiums paid to PRUsave Privilege at the time of death is higher than the total amount calculated above, Prudential will pay² the total premiums paid to PRUsave Privilege, inclusive of any yearly Premium Credit provided by Premium Accelerator.

    The death benefit² from Premium Accelerator is 105% of the total premiums paid to Premium Accelerator, less the total Yearly Premium Credit added to PRUsave Privilege (if any). The Premium Accelerator will cease after it has provided for the fifth year premium for PRUsave Privilege and the Cash Reward has been paid out (i.e. at the fourth Policy Anniversary¹).

• Lump Sum Maturity Benefit
  • With PRUsave Privilege Accelerator, you can look forward to receiving your maturity benefit² in one lump sum. The maturity benefit is the Face Value³ plus Bonuses⁴ (including Reversionary, Performance and Maturity Bonuses) that are added.
• 3-Year Commitment That Rewards

  • You can now enjoy potential returns with just a 3-year premium payment with PRUsave Privilege Accelerator.

    Our Premium Accelerator has a Yearly Premium Credit feature that automatically pays for your premiums for PRUsave Privilege in the fourth and fifth year of your policy. Therefore, you are relieved from continuing to pay premiums throughout your policy term and hence easing your financial commitments to enjoy other pursuits. What's more, you will also receive a one-time cash reward (1.25% of the total premiums paid into Premium Accelerator) on the fourth Policy Anniversary¹.

• Hassle-Free Application

  • Application for PRUsave Privilege Accelerator is simple and hassle-free. No medical check-ups or answering questions about your health is required. Simply submit your application and you are on your way to financial peace of mind.

How it works

How PRUsave Privilege Accelerator works:
A package plan comprising PRUsave Privilege and Premium Accelerator, PRUsave Privilege Accelerator is a fixed 10-year term policy with premium payments only for the first 3 years. This allows you to save for the future as you pay off your premiums early while your propensity to earn is still strong.

The diagram below illustrates your policy’s premium payment and the maturity benefit expected at the end of the 10-year period.

Example
Mr. Tan (aged 35 on his next birthday, non-smoker) would like to start saving to prepare for important milestones in life such as saving for his retirement. He would like to set aside approximately $50,000 per annum for 3 consecutive years, so that he can receive the maturity proceeds for his future retirement.

Annual Premium	Payable For	Policy Term	Total Premiums Paid	Maturity Amount5
				Guaranteed	Non-Guaranteed	Total
$50,136	3 years	10 years	$150,409	$136,000	$47,754	$183,754